Flexible down payments from 3% to 20%, competitive rates without PMI at 20% down. We specialize in streamlining conventional loans for homeowners with strong credit and stable income.
A conventional loan is a mortgage that isn't backed by the federal government. Instead, it's insured by private companies, which allows us to offer more flexible terms and competitive rates to qualified borrowers.
Conventional loans are ideal for buyers with strong credit, stable employment history, and sufficient down payment. We specialize in making the process clear, transparent, and fast—our 21-day closing guarantee reflects our commitment to excellence.
Unlike FHA or VA loans, conventional mortgages offer borrowers the freedom to own property without government involvement, and at 20% down, you eliminate mortgage insurance entirely, saving thousands over the life of your loan.
We bring clarity, speed, and expertise to the conventional lending process.
Access some of the market's best rates when you qualify. Our relationships with lenders ensure you get the terms you deserve.
Put down as little as 3% or as much as 20%. We work with various down payment options to fit your financial situation.
Avoid mortgage insurance by putting down 20%. That's thousands saved over the life of your loan.
Finance primary residences, second homes, investment properties, and more. We're flexible on property types.
Here's what we look for to approve your conventional mortgage.
Minimum 620. Best rates at 740+. We work with lenders across the credit spectrum.
Under 43% (sometimes up to 50% with compensating factors). We evaluate your full financial picture.
Stable employment history, typically 2+ years in your current field. Self-employed? We have programs for you.
3–20%. The more you put down, the better your rates and terms.
Proof of liquid assets and savings. Lenders want to see you have a financial cushion.
Up to $806,500 (2025). Loans above this are considered jumbo and have different terms.
Understanding your rate options.
| Feature | Fixed-Rate Mortgage | ARM (Adjustable-Rate Mortgage) |
|---|---|---|
| Interest Rate | Stays the same for the entire loan term | Fixed for initial period (3, 5, 7, 10 years), then adjusts annually |
| Monthly Payment | Consistent and predictable | Low initially, increases after the fixed period |
| Best For | Long-term homeowners; those planning to stay 7+ years | Short-term owners; those planning to sell or refinance within 5–7 years |
| Rate Starting Point | Slightly higher initial rate | Lower initial rate (teaser rate) |
| Risk Level | Low—predictable, no rate shock | Higher—payment can increase significantly after fixed period |
| Caps & Limits | N/A | Rate increases are capped (periodic and lifetime caps) |
We've streamlined conventional lending into four clear steps.
Discuss your finances, goals, and timeline. We run your credit and verify income to get you pre-approved quickly.
Your pre-approval letter puts you in the buyer's seat. Alex advises on loan strategy as you house hunt.
We submit your application and documentation. Our team works with underwriters to clear conditions and move toward clear-to-close.
Appraisal, title, final walkthrough, and closing table. We deliver our closing guarantee: ready in 21 days.
Have questions? We've answered the most common ones below.
Conventional loans are not backed by the government; FHA loans are insured by the Federal Housing Administration. Conventional loans typically require higher credit scores and down payments, but offer better rates and no mortgage insurance at 20% down. FHA loans are more flexible on credit and down payments (as low as 3.5%) but include government insurance premiums that increase your monthly cost.
Pre-approval typically takes 1–3 business days once we have your financial documents. From application to clear-to-close usually takes 15–25 days. Alex backs this with a 21-day closing guarantee, which means we commit to being ready at closing within that timeframe. Delays are rare, and we communicate every step of the way.
Yes. If you put down 20% or more, PMI is not required. PMI protects the lender if you default; it's typically 0.5–1.5% of your loan amount annually and is rolled into your monthly payment. With a 20% down payment, you skip this cost entirely—a significant savings over time. For down payments under 20%, PMI applies until you reach 20% equity.
We have specialized programs for self-employed borrowers. Lenders review 2 years of tax returns and business income statements to evaluate stability. We also offer bank statement and asset-based programs. If you're self-employed, don't assume you won't qualify—Alex has years of experience getting approval for freelancers, entrepreneurs, and business owners. Call us to discuss your specific situation.
(714) 470-6091
Available Mon–Fri, 8 AM–6 PM PT
Senior Mortgage Loan Officer
28+ years helping families achieve homeownership